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    How would you like to apply?

    I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

    *SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

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    Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

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      Enjoy 25% off total premium for all Plans. Applicable till 6 May 2024. T&Cs apply.

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      Person, Human, Indoors

      Enjoy 25% off total premium for all Plans. Applicable till 6 May 2024. T&Cs apply.

      Overview

      Extend peace of mind to your foreign domestic helper with the newly enhanced MaidPlus Insurance that fulfils MOM’s latest medical insurance enhancements for policies starting from 1 Jul 2023. Underwritten by MSIG Insurance (Singapore) Pte. Ltd.  

      Plan Details

      Basic Cover
      COVERAGE FOR 26 MONTHS Sum Insured
        Standard Classic Premier
      Section 1 – Personal Accident
      • Death & Permanent Disablement $60,000 per year
      • Medical Expenses $1,000 $2,000 $3,000
              Dental Treatment $500 (sub-limit)
              Treatment by Chinese Physician $100 (sub-limit)
              Dengue Fever – Medical Expenses $100 (sub-limit)
      Section 2 – Hospital & Surgical Expenses
      1. Inpatient expenses incurred in Class B2 or C ward in Singapore government hospital or restructured hospital
      2. 90 days pre and post hospitalisation diagnostic services and treatment
      3. Day care surgery

      Co-payment conditions as mandated by Ministry of Manpower
      -First $15,000 of eligible claims, no co-payment required
      -Above $15,000 of eligible claims and up to sum insured, 25% co-payment applies on this amount

      		 $60,000
      per year      		 $80,000
      per year      		 $120,000
      per year
      Section 3 – Alternative Domestic Help Benefit
      Daily allowance for hiring temporary help when your Maid is hospitalised due to an injury or illness $50 per day
      (max. 30 days)      		 $50 per day
      (max. 45 days)      		 $50 per day
      (max. 60 days)
      SECTION 4 – Wages & Levy Reimbursement
      Pays you when your Maid is hospitalised due to an injury or illness $30 per day
      (max. 30 days)      		 $30 per day
      (max. 45 days)      		 $30 per day
      (max. 60 days)
      Pays you for your Maid’s wages and levy if she has to travel back to her home country due to the passing of her legal parent, spouse or child

      $30 per day

      (max. 14 days)
      SECTION 5 – Repatriation Expenses
      Reimbursement for the cost of transportation for your Maid to return to her home country following Permanent Disablement or Death $10,000 $15,000 $20,000
      SECTION 6 – Termination Expenses
      Pays you if your Maid is certified unfit for work by a medical practitioner due to injury or illness $300 $600
      SECTION 7 – Replacement Maid Expenses
      Pays the hiring fees for a replacement Maid following the termination of your Maid’s service due to death, injury or illness $500 $500 $750
      SECTION 8 – Special Grant
      Lump sum payment following death of your Maid during her employment in Singapore $2,000 $3,000
      SECTION 9 – Liability to Third Parties
      Covers your legal liability for third party accidental bodily injury or property damage as a result of negligence of your Maid in the course of and arising out of her employment in Singapore $5,000 $10,000 $20,000
      SECTION 10 – Maid’s welfare
      Loss or damage to personal effects belonging to your Maid in the event of fire, water or flood damage at your residence $300 $500
      Covers for your Maid’s travel expenses if she needs to travel back to her home country due to the passing of her legal parent, spouse or child $300 $400 $500
      SECTION 11 – Maid Insurance Guarantee Bond – (MOM)
      Letter of Guarantee for a $5,000 security bond on your behalf to the Ministry of Manpower (MOM) $5,000

      Premium Table (before discount and inclusive of 9% GST)

      Premium rates are inclusive of 9% GST.

      Note: Premium billed or paid on/after 1 January 2024 will be based on 9% GST.

      Premiums for 26 months
      (Inclusive of 9% GST)
      Standard
      Classic
      Premier
      For maids aged 50 years old and below $585.33 $644.19 $728.12
      For maids aged 51 to 60 years old $1,127.06 $1,239.33 $1,400.65
      Optional Covers
      Waiver of counter indemnity for insurance guarantee bond to MOM (Excess: $250) $54.50
      Employer’s Liability – 3 options
      $300,000      		 $27.25
      $500,000 $38.15
      $1,000,000 $70.85
      Reduction of co-payment for Section 2 – Hospital & surgical expenses
      For maids aged 50 years old and below, reduce the co-payment by policyholder to:
      10% $58.86 $64.31 $73.03
      0% $155.87 $171.13 $192.93
      For maids aged 51 to 60 years old, reduce the co-payment by policyholder to:
      10% $112.27 $124.26 $140.61
      0% $298.66 $329.18 $371.69

      FAQs

      • All three of MSIG’s MaidPlus plans issued with period of insurance starting from 1 July 2023 fulfil MOM’s latest requirements. MSIG offers higher tiered Classic and Premier plans for those who prefer more coverage and better protection

      • The start date is dependent on the type of maid you are hiring:

        Maid Type Period of insurance start date
        New maid On or before the maid’s arrival date in Singapore
        Transfer maid The agreed transfer date which is also the day you apply for issuance of the maid’s new work permit
        Renewal maid One day after the expiry date of the current work permit

      • MSIG will pay for the first $15,000 of the hospital bill. For claim amount above $15,000, the co-payment is 25% by the employer and 75% by the insurer up to the covered sum insured under Section 2. Please see the example below on how these are applied.

        Maid’s hospital bill = $40,000
        Standard plan H&S Expenses limit $60,000
        MSIG pays the first $15,000
        Remaining $25,000 hospital bill
        MSIG pays 75% = $18,750 Employer pays 25% = $6,250
        Total payments made
        MSIG pays $33,750

        (First $15,000 + $18,750)

        		 Employer pays $6,250

        In the event the hospital bill is larger than the sum insured for Section 2 – Hospital & Surgical Expenses, the employer would have to pay the 25% co-payment share and any remaining uninsured portion of the hospital bill.

        For more examples, please see the FAQs on MSIG’s website.

      • MaidPlus offers the option to reduce the 25% co-payment to 10% or 0%. This option can be added into any of the three plans.

        The reduction of co-payment option will help to reduce the cash amount which you have to fork out for hospital bills which is above the first $15,000 up to the sum insured.

        If you have selected to reduce your co-payment to 0%, using FAQ 3’s example, you would not have to bear any part of the bill. In the event the hospital bill is larger than the sum insured for Section 2 – Hospital & Surgical Expenses, the employer would have to pay the 25% co-payment share and any remaining uninsured portion of the hospital bill.

        You can select the “Reduction of co-payment” option only at the point of purchase and this option cannot be amended once the period of insurance has started.

      • The first $15,000 cover is on a per policy year basis. It is re-set annually based on the period of insurance start date.

        Take for example, your maid policy’s period of insurance starts on 1 January.

        In February, your maid was admitted to the hospital for injury and incurred a bill of $15,000. MSIG pays the entire bill as it falls within the first $15,000.

        In November of the same year, your maid was once again admitted to hospital for another injury and incurred a bill of $10,000. The co-payment would apply immediately for the second bill where MSIG would pay 75% ($7,500) and employer would pay 25% ($2,500).

        On 1st January of the following year, the first $15,000 cover will re-set and MSIG will pay the first $15,000 for any new hospital bills incurred in the new policy year.

      • Visit https://www.msig.com.sg/claims/personal-insurance/maid for information on the claim procedure

        Alternatively, you may email or contact MSIG Customer Service at:

        Email:  service@sg.msig-asia.com

        Customer Service hotline: +65 6827 7605

        Operating Hours

        8.45 am to 5.30pm

        Mondays to Fridays except for Public Holidays

      • MSIG will issue a Letter of Guarantee for a $5,000 security bond on your behalf to MOM.

        If MOM makes a demand, we will first make the payment and recover the payment from you under the policy conditions of the section on the Maid Insurance Guarantee Bond.

        You can purchase the optional cover for Waiver of Counter Indemnity to reduce your liability to re-pay us for the bond payment to $250.

      • MaidPlus covers for inpatient treatment for COVID-19.

      • Hospital and surgical expenses for pre-existing condition is covered after your maid’s first 12 months of employment with you. This is subject to the following limits under Section 2 – Hospital & Surgical Expenses, applicable to all plans:

        a) Sum insured up to $60,000 and

        b) 25% co-payment borne by the employer for the portion of eligible claim amount which is above $15,000.

        The above is subject to policy terms and condition such as permanent exclusion for birth defects, congenital abnormalities, hereditary conditions and their associated conditions.

      Important Notes

        1. Pre-existing conditions
        2. Any unlawful act of the maid or wilful exposure to danger (other than in an attempt to save human life) or wilful act or wilful neglect of the maid;
        3. Suicide, attempted suicide or intentional self-injury while sane or insane or caused directly by the maid’s deliberate act
        4. Psychiatric or insanity or conditions related to functional disorder of the mind, nervous disorders;
        5. Pregnancy, childbirth, miscarriage, abortion, sterilization, menopause or any complications arising from any of these;

      Disclaimer

      This webpage is not a contract of insurance and reference should be made to the actual policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte. Ltd., (“MSIG”). It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are underwritten by MSIG and they are not products of, nor are they underwritten by Standard Chartered Bank (Singapore) Limited (“SCBSL”).

      SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance. In facilitating insurance arrangements or in referring customers to any insurer, SCBSL is acting in alliance with the insurer and not as an agent for customers.

      This Policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact MSIG or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg)